320 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 320 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,178 sqft · built 1920
Lot Size	0.138 acres (6,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Apr 2019)
Tax Bill	$956 (2025)
Deeds & Mortgages	Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607257006`

Property Details

APN / Parcel Number

Primary APN	`963607257006`
Alternative APN	`64096360725700600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,178 sqft Living Area
1st Floor Area	432 sqft
Basement Area	432 sqft
Finished Basement	350 sqft
Unfinished Basement	432 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	108 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	320 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 8 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3049
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	320 E 12TH ST, SPENCER, IA 51301-4532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2019 · Amount on Record
Deed Sale	Apr 10, 2019 · Amount on Record
Deed Document Number	2019844
Deed Book / Page	2019 / 844
Record Updated	Oct 29, 2026

April 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Apr 10, 2019
Property Address	320 E 12TH ST, SPENCER, IA 51301-4532
Document Number	2019/844
Book / Page	2019 / 844
Instrument Date	Apr 8, 2019
Instrument	2019-844
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 12TH ST, SPENCER, IA 51301-4532

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$956.00 (-6.27%) Homeowner's exemption	$96,850 (+0.86%) Land $17,200 Building $79,650	$96,850 (+0.86%) Land $17,200 Building $79,650
2024	$1,020.00 (-17.48%)
2023		$96,020 (+16.43%) Land $12,040 Building $83,980	$96,020 (+16.43%) Land $12,040 Building $83,980
2022	$1,236.00 Homeowner's exemption	$82,470 Land $12,040 Building $70,430
2021			$82,470 Land $12,040 Building $70,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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